Call reports 2011
PREFERRED COMMUNITY BANK — 2011
What PREFERRED COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 77,567,000 | 80,038,000 | 77,028,000 | 75,236,000 |
| Total loans | 43,192,000 | 44,664,000 | 44,742,000 | 45,254,000 |
| Allowance for loan losses | 1,480,000 | 1,398,000 | 1,294,000 | 1,078,000 |
| Securities available for sale | 14,064,000 | 14,141,000 | 12,374,000 | 10,083,000 |
| Securities held to maturity | 4,323,000 | 4,786,000 | 5,904,000 | 5,819,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,087,000 | 68,873,000 | 65,890,000 | 64,262,000 |
| Interest-bearing deposits | 61,798,000 | 64,890,000 | 61,738,000 | 60,292,000 |
| Noninterest-bearing deposits | 4,289,000 | 3,983,000 | 4,152,000 | 3,970,000 |
| Equity capital | 8,342,000 | 8,489,000 | 8,486,000 | 8,347,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 703,000 | 1,536,000 | 2,324,000 | 3,116,000 |
| Interest expense | 248,000 | 494,000 | 732,000 | 948,000 |
| Net interest income | 455,000 | 1,042,000 | 1,592,000 | 2,168,000 |
| Noninterest income | 84,000 | 93,000 | 180,000 | 268,000 |
| Noninterest expense | 620,000 | 1,304,000 | 2,106,000 | 2,953,000 |
| Provision for loan losses | 210,000 | 128,000 | 128,000 | 180,000 |
| Pretax income | -284,000 | -281,000 | -364,000 | -559,000 |
| Income tax | -107,000 | -107,000 | -84,000 | -212,000 |
| Net income | -177,000 | -174,000 | -280,000 | -347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,294,000 | 6,301,000 | 6,232,000 | 6,084,000 |
| Total capital | 6,906,000 | 6,920,000 | 6,830,000 | 6,650,000 |
| Risk-weighted assets | 48,012,000 | 48,689,000 | 47,162,000 | 48,715,000 |